Surplus funds guides
Clear, honest answers to the questions homeowners actually search for after a foreclosure.
Is Surplus Funds Recovery Legit? How to Tell the Real Thing From a Scam
Yes — surplus funds are real, and so are scams. The exact markers that separate legit recovery companies from fraud, plus how to check for free.
Read the guide →GuideSomeone Called About Surplus Funds — Is It Real or a Scam?
A surplus funds call or letter might be real. Verify it yourself, free, in 10 minutes — Ohio and Georgia steps, plus what never to sign.
Read the guide →GuideWas My House Sold for More Than I Owed?
Your home's foreclosure sale price is public record. Learn how to look it up free in Ohio and Georgia and how to tell if leftover money is owed to you.
Read the guide →GuideWhat Happens to the Leftover Money After a Foreclosure or Sheriff's Sale?
If your home sold at foreclosure or a tax sale for more than you owed, the leftover money is legally yours. How to check it free in Ohio and Georgia.
Read the guide →GuideCan I Claim Surplus Funds Myself, Without a Lawyer or Recovery Company?
Yes — you can claim surplus funds yourself, free. Step-by-step Ohio and Georgia instructions, and an honest look at when a DIY claim gets hard.
Read the guide →GuideHow Long Do I Have to Claim Surplus Funds After Foreclosure?
How long you have to claim surplus funds after a foreclosure in Ohio, Georgia and Florida: Ohio's 3-year tax-sale cutoff, Georgia's 5-year rule, Florida's one-year handoff, and free ways to check.
Read the guide →GuideHow to Claim Surplus Funds From a Deceased Parent's Foreclosure or Tax Sale
Your parent's foreclosed home may have left money behind. How heirs claim surplus funds in Ohio and Georgia — probate shortcuts, documents and deadlines.
Read the guide →GuideWhat Does Surplus Funds Recovery Cost?
What surplus funds recovery companies charge, which states cap fees and at what stage, contract red flags, and how to claim your money yourself for free.
Read the guide →GuideCan I Sell My House in Foreclosure? Yes — Until the Sale Is Final
Yes — you can sell your house in foreclosure until the sale is final: confirmation in Ohio, the auction hammer in Georgia. Timelines, payoff, and traps.
Read the guide →GuideDoes Bankruptcy Stop Foreclosure? What Filing Actually Buys You
Yes — filing bankruptcy freezes a foreclosure the moment you file, even hours before the auction. What Chapter 13 vs. Chapter 7 buys, and the limits.
Read the guide →GuideHow Long After Foreclosure Do I Have to Move?
You don't have to leave auction day. Real move-out timelines for Ohio and Georgia, cash for keys — and how to check if the sale left you money.
Read the guide →GuideHow Long Does Probate Take? The Honest Answer: Weeks to Years
Simple estates can close in weeks, typical probate runs 6–12 months, and contested cases take years. What sets the pace in Ohio and Georgia.
Read the guide →GuideHow Many Missed Payments Before Foreclosure Starts?
Federal law blocks a foreclosure filing until you're over 120 days behind — about 4 missed payments. Month-by-month Ohio and Georgia timelines.
Read the guide →GuideHow to Get Your House Back After a Foreclosure Sale — and What to Do If You Can't
Ohio lets you redeem until the court confirms the sale — often 30-90 days. Georgia tax sales allow 12 months. Honest odds, and the money left if you can't.
Read the guide →GuideHow to Stop a Foreclosure Sale: Every Real Option, Ranked by How Much Time You Have
Every real way to stop a foreclosure — reinstatement, loan modification, Chapter 13, selling first — ranked by time left, with Ohio and Georgia specifics.
Read the guide →GuideLetters Testamentary vs. Letters of Administration: Which One You Need and How to Get It
Both prove you can act for a deceased person's estate — with a will (executor) or without (administrator). Ohio and Georgia forms, fees, and timelines.
Read the guide →GuideWhat Is Escheatment? What Happens to Money Nobody Claims
Escheatment means the government takes custody of money nobody claimed. Most stays claimable — some foreclosure funds don't. Where to check, free.
Read the guide →GuideWhen Is It Too Late to Stop Foreclosure?
It depends on your state's legal cutoff. Ohio lets you redeem until the court confirms the sale — weeks after auction. In Georgia, the hammer is final.
Read the guide →GuideNever Received a Surplus Funds Notice? It Was Probably Mailed to the House You Lost
Surplus funds notices are mailed to the foreclosed property — the one address you left. How to check years later, free, in Ohio and Georgia.
Read the guide →GuideFlorida Foreclosure Surplus vs. Tax Deed Surplus: How to Claim Each
Florida foreclosure surplus vs. tax deed surplus: who holds each, the one-year and 120-day rules, what an assignment must say, and how to claim the money yourself.
Read the guide →GuideGot a Letter About Surplus Funds? How to Tell If It's Real
Got a letter saying you're owed money from a foreclosure or tax sale? How to tell an official notice from a company offer, what to check, and what never to sign.
Read the guide →GuideHow to file a surplus funds claim
A step-by-step walkthrough: confirming a surplus exists, finding who holds it, proving you're entitled, and filing the claim.
Read the guide →ProcessHow recovery works, step by step
The five-step Capital Quest process, from public-record research to attorney filing and disbursement.
See the process →AnswersSurplus funds: frequently asked questions
What surplus funds are, what recovery costs, how long it takes, and whether we're a law firm.
Read the FAQ →OhioOhio surplus funds recovery
How sheriff's-sale surplus works in Ohio, where the money is held, and how to claim it.
Ohio details →GeorgiaGeorgia excess funds recovery
How excess funds work after Georgia foreclosure and tax sales, and how to claim them.
Georgia details →FloridaFlorida surplus funds recovery
Foreclosure surplus and tax deed surplus in Florida: who holds each, the deadlines, and how to claim.
Florida details →